Large Refund granted. I paid with a CC

Hello.   I have been "successfully" refunded after about 2 months.   I noticed my original payment was via Nationwide CC.  That is where the refund has gone.  After 3 weeks it still has not appeared in my CC account.  I have had CC refunds in a matter of a few days before.  Absolutely no way of the BOT letting me chat to anyone.  Is this amount of time reasonable in this day and age ?  How long should a refund to CC take.  Should i be concerned after 21 days ?   No changes to CC in last 2 years.

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